Confident three fund portfolio that aces simplicity but quietly worships large cap growth
Report created on Mar 26, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 56.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
VX Vanguard Extended Market Index Fund ETF Shares
VXF - US9229086528 14.00%
Structurally this thing is the Ikea starter kit of portfolios: three big vanilla funds and vibes. About half in a broad home-market index, a chunky slice in international, and a smaller piece in the “everything the S&P misses” bucket. It’s clean, but almost aggressively unimaginative. That’s not automatically bad, it just screams “I read one Boglehead thread and stopped there forever.” The upside: no weird speculative side bets, no meme-stock graveyard. The downside: you’ve outsourced all nuance to market-cap weighting. Takeaway: if this is deliberate minimalism, fine; if it’s just “I didn’t want to think,” you might be leaving intentional design on the table.
Growth
Historically, this portfolio has done very well while still managing to be slightly second place. A 13.42% CAGR (Compound Annual Growth Rate — how fast money grew on average each year) turned $1,000 into about $3,262, which is nothing to be embarrassed about. But the US market benchmark did about 14.33% and finished around $3,804, so the global tilt dragged you a bit. Max drawdown of about -35% vs roughly -34% for the US index means pain levels were basically the same. Past data is yesterday’s weather: useful, not prophetic. Takeaway: you paid a mild performance tax for diversification, and that’s actually a grown-up move.
Projection
The Monte Carlo simulation — think of it as running your portfolio through 1,000 parallel universes — is weirdly optimistic but still honest. Median outcome: roughly a 4x+ in ten years; ugly scenario: only about 50% total growth; spicy scenario: 6x+. That’s the math version of “you’ll probably be fine, but don’t plan your beach house purely on the best case.” Simulations use past returns and volatility, which is like predicting future road trips from your last one: directionally helpful, but ignores new potholes. Takeaway: the odds tilt strongly positive, but the lower-end outcomes are exactly why you don’t go 100% emotionally all-in on rosy charts.
Asset classes
- Stocks 99%
- Cash 1%
Asset-class “diversification” here is basically all-in on stocks with a 1% cash garnish so small it’s almost an accounting error. Ninety-nine percent in equities is not a balanced profile; it’s an “I believe in capitalism and I don’t like sleeping” profile, especially for anyone with a shorter horizon. For long-term growth, this is powerful rocket fuel. For stability, it’s a joke. When markets tank, there is nothing here designed to cushion the fall. Takeaway: this is a growth engine, not a safety net — totally fine if that’s the plan, dangerous if you think this is some middle-of-the-road, chill setup.
Sectors
- Technology 26%
- Financials 15%
- Industrials 13%
- Consumer Discretionary 10%
- Health Care 10%
- Telecommunications 8%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Real Estate 3%
- Utilities 3%
Sector-wise, the portfolio is pretending to be broad, but the addiction is clear: tech-heavy, plus the usual big doses of financials and industrials, with everything else fighting for scraps. That 26% technology slice means your mood will track quarterly earnings calls more than you might like. Other sectors are present, but mainly as background actors. It’s basically a “modern economy” bet: innovation, software, chips, platforms, and all that shiny stuff. Takeaway: understand you’re hooked into the parts of the market that can soar when optimism runs hot and get smacked when growth gets repriced — this isn’t the “boring business” portfolio.
Regions
- North America 72%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this is very “USA and friends.” About 72% in North America and then polite token attendance in Europe, Japan, and some other regions. It’s classic home bias with a veneer of global sophistication: enough international to feel worldly, not enough to really move the needle if the US stumbles. Emerging markets are basically a rounding error. On the plus side, this aligns with where a lot of global market cap actually sits. On the minus side, one country’s policy, currency, or political circus dominates your fate. Takeaway: if the US stays dominant, you look smart; if not, you’ll learn what concentration risk means the hard way.
Market capitalization
- Mega-cap 40%
- Large-cap 29%
- Mid-cap 19%
- Small-cap 8%
- Micro-cap 3%
Your market-cap breakdown screams “I only trust the big kids.” About 69% in mega and big caps, with mid, small, and micro as the supporting cast. That’s standard for cap-weighted investing, but let’s not pretend this is some edgy small-cap value adventure. You’re basically betting the global giants will stay giants. That usually means smoother rides than an extreme small-cap tilt, but also potentially missing some of the juicier growth (and pain) at the fringes. Takeaway: this is a blue-chip comfort blanket with a little side order of smaller names so you can tell yourself you’re “diversified.”
True holdings
-
NV NVIDIA Corporation 4.10%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AA Apple Inc 3.72%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.78%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.94%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.72%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.44%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.38%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.34%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 1.08%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.03%
Part of fund(s):- Vanguard International Equity Index Funds - Vanguard FTSE Emerging Markets ETF
- Vanguard Total International Stock Index Fund ETF Shares
- iShares Asia 50 ETF
- Top 10 total 20.53%
Under the hood, you pretend to be diversified but you’re still bowing at the altar of the usual megacap gods. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, Broadcom, TSMC — the whole “index darlings” cast is front and center. Because they show up in multiple funds, your hidden concentration is heavier than it looks just from ticker weights. This is the classic index paradox: you think you own “thousands of companies,” but a tiny handful actually steer the ship. Overlap is probably even worse than the top-10 data suggests. Takeaway: don’t kid yourself — you are very much exposed to the fate of a handful of giant growth names.
Factors
Factor exposure — the hidden ingredients behind your returns — is leaning hard on size, yield, and low volatility. Think of factors as personality traits of your portfolio: yours is “biggish, somewhat steady, likes income slightly more than average.” You also have a decent momentum tilt, so you’re chasing what’s been working without going fully FOMO. The coverage is spotty for some signals, so the picture isn’t perfect, but directionally it says: not a thrill-seeking gambler, not a deep-value contrarian either. Takeaway: whether intentional or not, you’ve built a fairly defensive large-cap tilt that should behave okay in choppy markets but still rides trends enough to feel interesting.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 56.00% 56.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 27.0% -
Vanguard Extended Market Index Fund ETF Shares
Weight: 14.00% 16.6%
Risk contribution — who’s actually shaking the portfolio when markets move — is brutally straightforward: the S&P chunk is the boss. At 56% weight and about 56% of total risk, it’s doing exactly what its size says. International is lighter on risk than its weight, which is almost cute, and the extended market slice is punching a bit above its 14% weight in risk terms. Top three holdings = 100% of risk means there is zero hidden hero here; every tremor comes from those three funds. Takeaway: if volatility ever feels uncomfortable, the lever to pull is allocation, not hunting for some magic “low-risk” side bet.
Risk vs. return
This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.
Click on the colored dots to explore allocations.
On the risk–return chart, you’re actually sitting on the efficient frontier, which is like accidentally standing in the VIP section. Efficient Frontier just means “best return for each level of risk using these ingredients.” Your Sharpe ratio (return per unit of risk) is 0.65, solid but not maxed out. There’s an even better mix of the same three funds that nudges return up to about 15.08% with similar risk — that’s the optimal portfolio with a 0.78 Sharpe. Takeaway: you didn’t construct a disaster, but you did leave some performance on the table by not fine-tuning weights; the good news is you could fix that without adding any new products.
Dividends
- Vanguard S&P 500 ETF 1.20%
- Vanguard Extended Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.74%
A 1.74% yield is fine, but nobody’s retiring off the income from this thing. It’s clearly total-return focused, not a “pay my bills” machine. The international slice props up the yield a bit, while the US-heavy growth names drag it down. That’s normal for a modern index-driven portfolio: more about compounding than clipping coupons. If someone expected a rich income stream here, they’ve confused “owning lots of stocks” with “owning high-payout stocks.” Takeaway: this is a growth portfolio with a side of pocket change, not an income strategy — plan your cash needs accordingly.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Vanguard Extended Market Index Fund ETF Shares 0.06%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Costs are so low it’s almost unfair. A total TER of 0.04% is basically index investing on clearance. You’re paying less than many people do on random banking fees while getting exposure to the entire developed world plus extras. If there’s one area you absolutely didn’t mess up, it’s this. It’s boring, efficient, and brutally hard for most active approaches to beat net of their much fatter fees. Takeaway: don’t touch this part. Fees are under control — you either did your homework or got very lucky clicking green Vanguard buttons.
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